Old School Security
The best fraud solutions today are still based upon "old school" architectures. The web was invented for surfing information freely and anonymously. Browsers are not well equipped for security and commerce. The most secure communications today over TCP/IP are still client-server based architectures. Haven't you wondered why iTunes is NOT a web-site? Two fundamental reasons, 1) client-server is still the most secure method of doing commerce, and 2) you can program so many more capabilities into a downloadable application then you can into a web-page.
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